Are you under 25 years old? Have you had a lapse in auto insurance coverage? Have you been licensed less than 5 years, or have your driver’s license reinstated for less than 5 years? Do you have tickets, accidents and claims, or merely a less-than-perfect driving record with less-than-perfect credit? Do you have a major moving violation, like excessive speeding, driving while uninsured or with a suspended driver’s license, reckless driving, or a DUI? Do you need an SR-22?
If you have a combination of these characteristics, or even one of some of these characteristics, you may be considered a “high-risk” driver, more likely to have claims, by car insurance companies.
Auto insurance is a major cost for most people, but for “high-risk” drivers, car insurance can be extremely expensive. The good news is, for low risk drivers and high risk drivers alike, auto insurance rates vary a lot between car insurance companies, with some insurance companies charging twice as much as others. You can save a lot of cash by shopping your auto insurance.
The ads you see and hear for auto insurance are true. You can save hundreds of dollars each year by shopping your car insurance. How can all these auto insurance companies claim to save you so much money?
Car insurance companies are not lying about the amount of savings. The hundreds of dollars they say they can save you is based on the average savings of customers switching to their auto insurance. What the auto insurance companies don’t tell you is that not everyone contacting them for an auto insurance quote will save money. People getting auto insurance quotes saving them hundreds of dollars switch their car insurance, but people getting quotes not saving them money, or costing them more, do not switch their auto insurance.
What does this mean to you? All car insurance companies can save some people a lot of money, but no single car insurance company has the lowest rate for everyone. The only way to really save a lot of money on car insurance is to get price quotes from all the leading auto insurance companies, so you can find the car insurance company with the best rate for you.
Many people pay too much for their car insurance because they do not shop for better rates each year, or if they do shop, they don’t check the rates of all the leading auto insurance companies.
Whether you are considered a “high-risk” driver, or a “low-risk” driver by insurance companies, you can save a ton of money by shopping for the best rate. But when auto insurance companies consider you a “high-risk” driver, you won’t be eligible for many auto insurance companies, because not all car insurance companies insure high risk drivers. Many high risk drivers get frustrated shopping for car insurance and have a hard time getting price quotes from more than a couple of insurance companies.
I’m writing this blog post to help high risk drivers know the leading insurance companies insuring high risk drivers (This segment of the market is called nonstandard or specialty auto insurance), so they, too, can avoid paying way too much for auto insurance, because they failed to find the car insurance company with the best rates for them.
First, here is a shopping tip: Go to the auto insurance company websites to get price quotes. Do NOT contact local agents for price quotes. Normally, contacting local auto insurance agents is the best way to get price quotes. But many insurance agents are not interested in selling car insurance to high risk drivers. Insurance companies like State Farm, Allstate, Farmers & American Family insurance usually sell nonstandard auto insurance, but many of their agents are not interested in selling it. If you request an auto insurance quote directly from the car insurance company, or the car insurance company website, you are more likely to get a price quote, if nonstandard auto insurance is offered by the company, and you are eligible.
Here is a second shopping tip: in addition to checking the rates of the auto insurance companies I list in this blog post (Clicking on their Google ads to get quotes is a great idea), click on any ads for online insurance agencies specializing in high risk drivers. Some nonstandard auto insurance companies sell insurance only through independent agents, and you can’t get an auto insurance quote from their websites.
Here are the leading auto insurance companies (listed alphabetically) offering nonstandard auto insurance for high risk drivers. Not all of these companies offer nonstandard auto insurance in every state, and not all high risk drivers may qualify — particularly people needing auto insurance without a US driver’s license, or more than one major violation, like an alcohol or drug-related driving offense, driving without insurance or a suspended license, reckless driving, etc.
Allstate Insurance
American Family Insurance
Esurance (being purchased by Allstate)
Feeding your sugar viagra pill for woman addiction results in a constellation of diseases ranging from insulin resistance to diabetes. Approx 60% of ED patients are internet shoppers and order their drug via online. acheter pfizer viagra This is a stressful situation in respect of marital order viagra uk life. White biotechnology cheap cialis http://www.solboards.com/cialis-1455.html tends to consume less in resources than traditional processes used to produce industrial goods. Farmers Insurance
Geico
The General (Permanent General Assurance Corp)
Infinity Auto Insurance
Metlife Auto Insurance (Metropolitan General Auto Insurance)
Nationwide Insurance (Titan Auto Insurance & Victoria Auto Insurance)
Progressive Insurance
Safeco Insurance
State Farm Insurance
21st Century Insurance (now owned by Farmers Insurance)
Unitrin Direct (owned by Kemper Insurance)
Now you know where to shop, start shopping for a better auto insurance rate today. It is important to shop your auto insurance each year — even for good drivers with low rates. Click the ad below to get quotes from some of the nonstandard auto insurance companies discussed in this blog post.
As time goes by, you will qualify for lower car insurance rates when you shop, as you get older, have more driving experience, and a longer auto insurance history. Drive safely and pay your bills on time to improve your credit. When tickets, accidents, and claims get older, and you have a better credit score, you will one day qualify for standard or preferred auto insurance rates.
Many people pay too much for their insurance because they never shop for better rates, or if they do shop, they don’t check the rates of enough companies. For a lot of people, the best auto & home insurance companies are the ones with the coverage they need at a lower price. With auto & home insurance, you don’t get better service or coverage because you pay more. Some of the best companies have competitive rates. Some companies charge twice as much as others for the same coverage. But no single company has low rates for everyone. You have to shop with all the leading companies, to find the company with the best coverage and best price for you.
Which nonstandard car insurance company has the best rates for you? Tell me about it. Please leave a comment on my facebook page. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.